If you text someone while driving, you could be liable. Do you need a general insurance policy?
There was a rather concerning case in NJ where a person was texting another person who was driving a car. The person who sent the text knew she was driving, but she sent it anyway: The person who received the text was looking at that text when she hit a pedestrian, oops! There was a lawsuit and the person who sent the text was found to be at least partly at fault and ordered to pay damages. We...